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Investor Education

Helping you make informed investment decisions

Take advantage of MD’s online investor resources to learn about everything from current economic trends to different investment approaches. Our instructive webinars, helpful videos, educational articles and podcasts help physicians make informed financial decisions.

Videos

Investments

Chief Investment Officer Q4 Report
Chief Investment Officer
Q4 Report


Chief Investment Officer Q3 Report
Chief Investment Officer
Q3 Report


Chief Investment Officer Q2 Report
Chief Investment Officer
Q2 Report


Chief Investment Officer Q4 Report
Chief Investment Officer
Q4 Report


Delivering Top Performance
Delivering Top Performance

INSIDE MD:MD Precision
INSIDE MD – MD PrecisionTM



Chief Investment Officer
Chief Investment Officer "Special Edition"
Highlights Video – 148th CMA General Council


Chief Investment Officer Q1 Report
Chief Investment Officer
Q1 Report


MD ExO™ - Your Expert Office In Action
MD ExO™ - Your Expert Office In Action


Private Investment Counsel

Inside MD – MD Private Investment Counsel
Inside MD – MD Private Investment Counsel


MDPIC Online Account Demo
Manage your MD Investments Online Demo


Incorporation

Inside MD with Mike Gassewitz Medical Practice Incorporation – The MD Approach
Inside MD with Mike Gassewitz
Medical Practice Incorporation – The MD Approach


Insurance

Watch the Video: Insurancer
Inside MD with Mike Gassewitz
Insurance – The MD Approach



Medical Students and Residents


Where Has Your Backpack Been?

The 2015 MD Backpack – What Colour Will It Be?
The 2015 MD Backpack – What Colour Will It Be?



Introducing the 2015 MD Backpack


MD MedEd CounselTM



Quick Clinics

What is the Cost of Investing?
What is the Cost of Investing?


Estate Planning Considerations For Incorporated Physicians
Estate Planning Considerations For
Incorporated Physicians


Retirement Income Options For Incorporated Physicians
Retirement Income Options For
Incorporated Physicians


Incorporated? Here’s How To Invest
Incorporated? Here’s How To Invest


Salary Or Dividends?
Salary Or Dividends?


Should I Incorporate My Medical Practice?
Should I Incorporate My Medical Practice?

Thinking of Buying a Home?
Thinking of Buying a Home?


What Insurance Solutions Do I Need?
What Insurance Solutions Do I Need?
 


Financial Advice for Physicians New in Practice
Should I Invest in a TFSA or an RRSP? 


Financial Advice for Physicians New in Practice
Should I Invest or Pay Down My Debt?


Financial Advice for Physicians New in Practice
Financial Advice for Physicians New in Practice


Webinars

On-Demand Webinars

Access a recorded copy of our webinar at your convenience—to catch up on what you missed, review if you would like to watch again, or share with someone you think might be interested in learning more.

RRSP and TFSA Balancing Act

The RRSP and TFSA Balancing Act

Physicians have unique situations to consider when determining whether to invest in a registered retirement savings plan or a tax-free savings account. Quite often, it makes sense to balance contributions to both types of accounts to meet different financial goals.

MD Financial Management’s webinar explains the benefits of both and how to know which choice is right for you.

Watch now!

Alternative Investments: What They Mean For You

Alternative investments have different characteristics than investments in traditional asset classes. When implemented as part of a properly diversified portfolio, they can play an important role in a physician’s investment strategy. Alternative investments can:

• increase diversification
• enhance portfolio risk-adjusted returns
• level out portfolio performance over time
• improve portfolio efficiency

Discover how MD can help you make alternative investments part of your total wealth management strategy.

Key Financial Strategies and Solutions For Physicians

With so much information available on managing your finances and investments, it can be a challenge to cut through the clutter and get to what is truly relevant to you as a physician. For over 40 years, MD has worked solely for physicians and their families.

Discover some of the key wealth management strategies that focus on your unique circumstance as a physician.
 

Articles

Why Working With A Financial Planner Makes A Difference

April 19, 2016

Financial planning involves more than just your investments—it is about your “big picture” financial situation.

Tax Tips for Medical Students and Residents for 2015 Tax Year

April 15, 2016

As a medical student or resident, being aware of the tax benefits that you may qualify for can help minimize the taxes you pay.

Big Changes Coming to Life Insurance

April 12, 2016

Changes are coming to the rules governing life insurance policies in Canada—and they may affect you.

Managing Currency Risk in Your Investments

April 8, 2016

Geographic diversification is an important portfolio building tool that can help investors improve returns and manage risks.

Drilling down: Oil in perspective

March 30, 2016

While the oil industry has historically been one of booms and busts, and oil was already experiencing a steady decline last year, very few expected it to drop below $30 a barrel—levels not seen since the early 2000s—at the start of the year.

How to Recognize—and Avoid—an Investment Scam

March 16, 2016

Research conducted by the Canadian Securities Administrators shows that 27% of Canadians believe they have been approached with a fraudulent investment opportunity at some point in their lives.

10 Tax Tips for Physicians

March 14, 2016

As a physician, one of the most significant expenses you will incur during your career is tax—specifically, federal and provincial income taxes. As such, it makes sense to minimize your taxes payable and maximize your financial position.

Will The New Down Payment Rule Affect What You Can Afford?

March 1, 2016

If you’re in the market for a home, keep in mind that a new down payment rule is now in effect.

The Final Log-in: Estate Planning for Your Digital Assets

February 19, 2016

In a world where technology is a dominant feature of life, estate planning no longer entails simply leaving a key to a safety deposit box. Along with accumulating tangible belongings, most people have come to have many “digital assets”—from social media accounts and virtual collections of books and music, to financial assets that are managed online.

4 things you should expect from your financial advisor

February 10, 2016

Advisor-client relationships are much like physician-patient relationships: you can get better outcomes if you have a good rapport.

Markets Through the Lens of Political Change

January 25, 2016

Looking back on the fourth quarter of 2015, the dominant issue, in Canada at least, was the federal election and the installation of a new Liberal government.

New RRIF withdrawal rates: How are you affected?

January 7, 2016

If you’re a retiree, you can now withdraw less from a Registered Retirement Income Fund (RRIF) and defer tax on more of your retirement savings, thanks to a reduction to the minimum amount that must be withdrawn from a RRIF for annuitants aged 71 to 94.

Three Essential Types of Insurance for New Physicians

December 22, 2015

As a physician starting your career, you may have insurance needs that are higher than those of other Canadians your age.

‘Tis the Season to Avoid Cybercrime

December 16, 2015

It’s the most wonderful time of the year for retailers—and for online scammers. While you’re busy scouring the internet for the best holiday deals, fraudsters are ready to take advantage of your festive mood. Here are some common holiday scams to watch out for.

Five Questions to Ask Before You Invest

December 9, 2015

When it comes to investing, physicians have unique needs beyond those of the average investor. With a high level of student debt and delayed entry into the workforce, many may feel the need to “catch up” financially. Here are five questions to think about. They will help you plan for success and avoid common investing mistakes.

Five Questions You Should Ask About Medical School Debt

December 4, 2015

Most medical students expect to incur debt by the end of their education. Depending on the amount of money owed, the debt can be a source of stress and may influence your career choices.

Make 2015 less taxing: 6 things to do before Dec. 31

December 01, 2015

As December 31 approaches, the following tax tips may help reduce your 2015 personal income taxes.

Pay Down Medical School Debt or Invest? Five Steps to Finding a Balance That Works

November 30, 2015

For a physician new in practice, like you, paying down debt versus investing is an important consideration when deciding whether to invest in a registered retirement savings plan (RRSP) or tax-free savings account (TFSA).

What If Your Children Want to Go to Medical School, Too? How to Keep That Option Open for Them

November 19, 2015

Physicians like you have attained a high level of education and know the high cost of an extended education. As you develop your medical career, you may start thinking that your children could pursue medical or other extended education, as well, in the future.

Four Common Questions Physicians Ask About Their Finances

November 19, 2015

As a physician, you face unique financial challenges, from making the important decision on whether to pay down medical school debt or invest, to planning for your children’s future.

New Physicians: It Pays to Save Early

November 13, 2015

As you’re establishing your career, you may not have a lot of money to invest. You may also be facing a large student debt. The one advantage you have is time.

Liberal Tax Promises: What Can You Expect?

October 26, 2015

A new federal government will shortly take the reins, which could eventually mean some changes to Canada’s taxation laws - changes that could have an impact on the finances of Canadian physicians.

How MD Manages Your Money in Uncertain Times

October 19, 2015

Worried about recent stock market volatility? Some investors might feel unsettled by media headlines screaming that the sky is falling. But it’s important to remember that volatility is an inevitable part of participating in the financial markets.

5 Tips for Reducing Your Travel Costs

October 14, 2015

Medical school can be expensive for many students, so it’s wise to manage your expenses and cut costs where you can, including travelling costs.

Why Medical Residents Need A Financial Strategy

October 12, 2015

Is there any value in developing a financial strategy if you have very little money or if you’re in debt from medical school? The answer is yes.

Tax Implications Every Snowbird Should Know

October 2, 2015

If you’re a retiree, avoiding the cold weather while maintaining your Canadian ties is an appealing prospect, provided you’re aware of the potential tax and financial implications of spending winters in the United States.

Financial Planning Considerations for Female Physicians

September 24, 2015

What is unique about a female physician? From a professional or intellectual perspective, nothing. But from a financial perspective, there are some differences to consider when it comes to long-term planning.

What Does a Small “R” Recession Mean For You?

September 8, 2015

It is official, according to the media: Canada is in “technical” recession. But the qualifier is telling and raises the question of whether the economic picture is, in reality, as negative as the term recession implies.

Is Canada’s Housing Market Overvalued?

September 3, 2015

Judging from the headlines these days about rising housing prices, it’s tempting to think of real estate as a no-fail investment.

MD’s Preparedness for Market Volatility

August 24, 2015

The latest bout of stock market declines has prompted unease and uncertainty among some investors in the markets.

Three Things You Should Know About RESPs

August 21, 2015

A post-secondary education is an important asset for participating in a modern economy, but getting one can be expensive.

China Devalues Currency: What This Means for World Markets

August 12, 2015

In a move that surprised the world’s financial markets on August 12, China devalued its currency for a second day running.

Update on the Chinese Stock Market

July 27, 2015

On July 27, the Shanghai Composite Index tumbled 8.5%, the largest drop in a day since 2007.

New to Practice? How to Manage Two Cash-Flow Challenges

July 24, 2015

When you transition into medical practice, there are a number of financial planning issues to manage – like a brief gap in income and making your income tax payments.

Five Ways to Lower Your Medical School Debt

July 9, 2015

Embarking on a career in medicine is both exciting and rewarding. It can also leave you with a high level of debt if you’re not careful with managing your expenses and borrowing costs.

July 6 Update: Greece's Impact on the Markets

July 6, 2015

Greece Votes “No” But Uncertainty Continues

So You Want to Be a Landlord?

July 2, 2015

The Pros and Cons of Owning Rental Property

Update on economic situation in Greece

June 29, 2015

On June 28, debt negotiations between Greece and its creditors broke down.

What Canada’s Economic Outlook Means for your Portfolio

June 18, 2015

The world economy has scored what amounts to a B-minus in a report by the major international group, the Organisation for Economic Co-operation and Development (OECD). But what grade should Canada get?

The Business of Medicine

June 9, 2015

Healthcare Companies Show Signs of Extending Bull Run

RRSP or TFSA: Which Is Right for You?

June 2, 2015

As part of the federal budget announcement this past April, one change that made headlines for investors was the proposal to increase the annual contribution limit for Tax-Free Savings Accounts (TFSAs).

Political Shift in Alberta Could Impact Canada’s Energy Sector

May 15, 2015

A surprise election result in Canada’s oil-rich province has prompted some unease in the markets. MD provides insight on possible scenarios for the energy sector–and on its active fund management strategies in the wake of recent developments.

Rising Interest Rates? What to Consider as a Med Student, Resident or Practising Physician

April 24, 2015

Why is everyone worried about the prospect of rising interest rates? How bad could it be, and what impact will it have?

Two sides of the coin: How the dollar’s ups and downs affect you and your investments

April 24, 2015

Our Canadian loonie enjoyed relative parity with its American counterpart between early 2010 and early 2013, which was great for cross-border shoppers and snowbirds but detrimental to Canadian exporters.

Keeping an Eye on Oil

April 24, 2015

Oil prices have recently stabilized, following their rapid decline in late 2014, but volatility in this market will likely continue in the short term.

Make Your Move to School or Residency Tax-Deductible

April 24, 2015

If you are relocating this year, whether for medical school or residency, keep in mind that you can deduct a number of moving expenses on your 2015 tax return.

Results in Context: The Myth of the "Lost Decade"

Does this sound familiar? "My portfolio hasn't gained any ground over the last decade—I'm just not sure it makes sense continuing to stay invested, or whether it's time to try a new strategy." Perhaps you've heard people saying things like this in the media, or through your social circle—or maybe you've even had these thoughts yourself.

Are You Biased? The Impact of Behavioural Finance on Investor Decisions

When you are making investment decisions, are you confident that your choices are always rational—or have you ever considered that there could be some other factors at work?

Case Studies

Financially secure despite a costly mistake

Dr. E., 56., lost money on tech stocks, but avoided a bigger financial mistake by listening to his MD Advisor.

Learn more

Will med school debt derail this student’s goals?

“David,” 24, is borrowing a lot of money for medical school. But a solid plan provides peace of mind.

Learn more

When is the right time to retire?

Dr. C, a 62-year-old family physician, the answer may be: not yet.

Learn more

Can a young physician start a family and avoid debt?

Dr. B, a 29-year-old family physician in Quebec, worries about balancing maternity leave with her financial goals.

Learn more

Is incorporation the right choice?

Dr. A, a 37-year-old family physician in Toronto, wonders whether incorporation is a worthwhile strategy.

Learn more

Infographic

Five Ways to Lower Your Medical School Debt

While you can’t control costs such as tuition fees, you could reduce your debt load with these smart strategies for budgeting and borrowing.
Learn more.

Myths and Realities of Switching

There are many myths about switching financial institutions.
Learn more.

A physician’s financial life journey

As you move through life, your needs change. So do your financial goals. Learn more.

Switching to MD is Easy

Think you’re too busy to move your investments? When you switch to MD, we take care of the details so the process is seamless and hassle-free. Learn more.

Saving Is Easy With a Tax-Free Savings Account (TFSA)

What’s the benefit of a TFSA? Helps you save money that grows tax-free, for short- and long-term goals. Learn more.

Contact an MD Advisor

Talk to an MD Advisor today for all your financial and practice needs.

MD Perspectives

Get the latest economic updates, sector commentary and investment insights from MD’s team of experts.

Learn more

Upcoming Events

Attend MD Financial Management events for insight into the organization and information on topics of interest.